Housing expenses have you worried? Your next step starts here.
NextStepKC Housing Loans help you cover expenses related to housing instability. Borrow up to $2500, and set repayment terms that can fit into your monthly budget without creating more stress. To see if you qualify, review the frequently asked questions below. Then, complete the Housing Loan form to take the next step.
Frequently Asked Questions:
How much can I borrow?
You can borrow up to $2500 with a NextStepKC Housing Loan. These loans help you cover emergency expenses, that you can’t cover with savings or from other sources.
What kinds of things can I use the money for?
Transitional housing. Covering the costs of moving from temporary lodging to get back into more permanent housing. Deposits, covering past utility bills, etc.
Unhealthy living conditions. Getting rid of insects and other pests that can lead to health problems, when moving to a new home isn’t an option.
Minor home repair. Covering the cost of minor repairs that you have to make to address a code violations. This can prevent fines from building up and keep you in your home.
Housing instability. Helping you cover unexpected or hard to handle housing expenses so you prevent eviction or foreclosure from forcing you out of your home.
How do you determine if I qualify?
Qualifying for a Housing Loan is simple. A Housing loan requires $2000/mo minimum income and you cannot currently be in bankruptcy. Once you fill out the form below you will receive an email from a NSKC Financial Coach to help determine affordability, go over other criteria, and provide proof of current income. A final determination is made when you fill out the loan application with the lender.
How expensive is a NextStepKC Housing Loan?
NextStepKC is sponsored by Kansas City community partners, committed to making borrowing affordable for those who need it. With their support, Housing Loans are significantly less expensive than payday loans and other emergency cash solutions. You will receive a full breakdown of costs once you fill out the form below.
How do I take the next step?
If you meet the qualifications above, fill out the Housing Loan form below to tell us you’re interested. You will be contacted by a NextStepKC financial coach to make sure it’s a good fit, explain the application process, and collect information including current proof of income such as paystubs. NextStepKC loans will show up on your credit report. We’ll show you how a Housing Loan can help you improve your life and take steps to improve your overall financial situation in life.
How long does the process take to get a loan?
Depending on your circumstances, and availability of funds, getting a Housing can take a week or more. It’s best to plan for two weeks if you need the money to cover emergency expenses. Your financial coach will be able to guide you through that process once you complete the Housing Loan form below.
What if I can’t qualify for a Housing Loan?
In some cases, you may not qualify for a loan. This is where a NextStepKC financial coach can help. Our goal is to help you get through tough times today, and help you build a brighter tomorrow.
What if I need more than $2500?
Covering expenses that are causing instability in your housing situation can be costly sometimes. If you need more than $2500, assistance dollars may be available from a NextStepKC nonprofit partner. Your financial coach can help you understand that process and see if assistance can supplement your Housing Loan.
Let us know you’re interested.
To take the next step toward a Housing Loan, read the qualifications above. Then fill out the following information and a NextStepKC financial coach will contact you.